Best Buy Now, Pay Later Apps Of 2025

Klarna stands out among BNPL apps because of its no-interest financing and accessible qualification requirements. The app is also widely available, making it a flexible option for a range of purchases.

Klarna is one of the most well-known BNPL apps and is available through numerous top retailers. The company imposes less robust qualification requirements than some financing alternatives, and borrowers can choose from three repayment options, which is more than available with most BNPL apps.

Borrowers can choose from Pay in 4 (four interest-free payments every two weeks), Pay in 30 days and monthly financing up to 36 months. The four- and 30-day financing options charge no interest or fees, with the exception of late fees. However, monthly financing charges interest that may extend above 20%. Pay in 4 doesn’t require a hard credit inquiry.

As with other BNPL apps, keep in mind that Klarna can encourage consumers to buy more than they can afford to pay off—and may lead to a cycle of borrowing.

Borrowers with poor or limited credit can take advantage of Splitit’s financing without completing an application process or undergoing a credit check.

Splitit is a white-label BNPL app that online retailers can use to simplify financing for their customers. Instead of creating a new loan for a purchase, Splitit lets consumers split a purchase over two to 24 payments using their current credit cards. The platform charges the first installment to the borrower’s card after purchase authorization or shipping and then charges the card every month until the end of the payment plan.

Splitit relies on a customer’s existing credit accounts, so there’s no credit inquiry or application process. Moreover, the average order for Splitit customers is over $1,000, making it a popular option for large purchases. Overall, Splitit is a streamlined option that can help borrowers with less-than-stellar credit.

Affirm offers high financing limits and is available at a wide range of retailers, which makes the platform a convenient option for large purchases.

Affirm is another popular and well-known BNPL app available at thousands of online and in-store retailers. Borrowing limits range from $50 to $25,000, making it a good option for large purchases. The platform offers prequalification without a hard credit check, and borrowers can choose from two payment plans: Pay in 4 or monthly payments.

The Pay in 4 option doesn’t charge any interest or fees, and Affirm doesn’t require a hard credit inquiry for qualification. The platform doesn’t charge any hidden fees under the monthly payment structure. However, annual percentage rates (APRs) may be 0% or between 10% and 36%, based on borrower creditworthiness. Borrowers can also request a virtual card through the Affirm app—increasing flexibility and streamlining the borrowing process.

PayPal Pay in 4 helps consumers finance purchases starting at just $30 and up to $1,500 with no late fees.

PayPal Pay in 4 lets shoppers finance purchases as small as $30. Financing amounts are limited to $1,500, but consumers can shop with a wide selection of brands. Borrowers get to split their purchases into four interest-free installments, including one down payment and bi-weekly payments with zero late fees.

PayPal also offers a monthly payment option with six-, 12- or 24-month payment plans with $0 down. The financing amounts for monthly payments are higher—$199 to $10,000—and APRs range from 0% to 29.99%. Customers also benefit from PayPal’s standard purchase protection.

Afterpay offers several features that make it easier for first-time BNPL shoppers to make smart financing decisions.

Afterpay offers convenient financing at a large selection of online and in-store retailers. An application process and soft credit check are required, but borrowers don’t have to undergo a hard credit inquiry to qualify. This ease of use makes Afterpay suitable for shoppers using a BNPL app for the first time.

What’s more, Afterpay puts several safeguards in place to protect consumers from overspending—including notifications for missed payments. The platform also doesn’t report late payments to credit bureaus. As with many other top BNPL apps, Afterpay does not charge any interest on purchases, though borrowers may incur late fees.